Headquartered in Redwood City, California, Polam Federal Credit Union is a federal credit union with $72.8M in total assets and $62.5M in member shares and deposits as of Q2 2026. It operates 6 offices across 3 states. Its charter dates back to 1973.
Based on its Q2 2026 filing, Polam Federal Credit Union scores 43/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 235th. Its strongest component is capital cushion (86/100; 13.63%), and its lowest is earnings (0/100; -0.62%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (66 → 43), mostly because the loan quality component weakened by 81 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 43 |
| Q4 2025 | 42 |
| Q1 2026 | 42 |
| Q2 2026 | 43 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.39% |
| Q3 2024 | 14.15% |
| Q4 2024 | 13.63% |
| Q1 2025 | 13.71% |
| Q2 2025 | 13.17% |
| Q3 2025 | 13.19% |
| Q4 2025 | 13.74% |
| Q1 2026 | 13.60% |
| Q2 2026 | 13.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.47% |
| Q3 2025 | 2.76% |
| Q4 2025 | 2.93% |
| Q1 2026 | 3.43% |
| Q2 2026 | 2.92% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.36% |
| Q3 2024 | -0.46% |
| Q4 2024 | -0.44% |
| Q1 2025 | -0.50% |
| Q2 2025 | -0.43% |
| Q3 2025 | -0.38% |
| Q4 2025 | -0.41% |
| Q1 2026 | -0.75% |
| Q2 2026 | -0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $72.8M | 13.63% | 2.92% | -0.62% | 91.9% |
| Q1 2026 | 42 | $73.6M | 13.60% | 3.43% | -0.75% | 91.6% |
| Q4 2025 | 42 | $73.9M | 13.74% | 2.93% | -0.41% | 102.9% |
| Q3 2025 | 43 | $77.5M | 13.19% | 2.76% | -0.38% | 99.1% |
| Q2 2025 | 66 | $78.1M | 13.17% | 0.47% | -0.43% | 92.8% |
| Q1 2025 | 64 | $75.5M | 13.71% | 0.63% | -0.50% | 100.4% |
| Q4 2024 | 64 | $76.6M | 13.63% | 0.74% | -0.44% | 97.1% |
| Q3 2024 | 67 | $74.4M | 14.15% | 0.53% | -0.46% | 99.9% |
| Q2 2024 | 69 | $74.0M | 14.39% | 0.49% | -0.36% | 98.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Polam Federal Credit UnionCredit union Los Angeles, CA | 65 out of 100, Moderate | $73.2M | 9.9% | 0.00% | vs |
| Universal City Studios Credit UnionCredit union Burbank, CA | 56 out of 100, Moderate | $71.6M | 8.0% | 0.16% | vs |
| Modesto'S First Federal Credit UnionCredit union Modesto, CA | 59 out of 100, Moderate | $74.2M | 8.8% | 0.99% | vs |
| Olive View Employees Federal Credit UnionCredit union Sylmar, CA | 72 out of 100, Strong | $74.9M | 18.9% | 0.93% | vs |
| Parishioners Federal Credit UnionCredit union Torrance, CA | 44 out of 100, Below average | $69.9M | 8.8% | 2.25% | vs |
| Bay Cities Credit UnionCredit union Hayward, CA | 77 out of 100, Strong | $77.6M | 12.7% | 0.86% | vs |
Deposit insurance
Is my money safe at Polam Federal Credit Union?
Yes. Polam Federal Credit Union is a federally insured credit union (NCUA charter #21502). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 12.8% of shares and deposits ($8.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Polam Federal Credit Union lists 6 offices in 6 cities across 3 states. Most locations:
- Concord, CA (1)
- Lone Tree, CO (1)
- New Britain, CT (1)
- Redwood City, CA (1)
- Sacramento, CA (1)
- San Francisco, CA (1)
Identity & history
Profile
- Legal name
- Polam Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21502
- RSSD ID
- 488484
- Primary regulator
- NCUA
- Established
- 1973
- Headquarters
- 770 Marshall St, Redwood City, CA 94063
- Employees
- 20
Quick answers
Polam Federal Credit Union: common questions
Is Polam Federal Credit Union NCUA insured?
Yes. Polam Federal Credit Union is a federally insured credit union (NCUA charter #21502). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Polam Federal Credit Union's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Polam Federal Credit Union have?
6 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Redwood City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |